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The client lives in Guayaquil. She started making food for friends and family. Then she specialized in different a la carte dishes. She now sells to people that she knows, and they hire her for buffets (specific foods). One of the things she makes is sweets, which she sells by order.

She works with her mother from 9:00 a.m. until 2:00 p.m, and she works a night schedule if she has orders for specific dishes.

The difficulty she has in the business is thieves. Also, with the bad state of the streets you can fall with all of the products she distributes. Additionally, at times there is difficulty with her niece who has a disability. This is because there is no one to leave her with who will take care of her. She is not married, nor does she have children.

She will use the loan to buy tablecloths, plates, and meat in order to be able to distribute orders to more customers.

Her dream is to share together with her family and to be able to have a bigger business.
View original language description ↓
La clienta vive en Guayaquil. Empezó haciendo comida para los amigos y familiares luego se especializo en diferentes platos a la carta y ahora vendo a los conocidos y la contratan para los buffet (comidas especificas), una de las otras que hace es dulces que los vende por pedido.

Trabaja con su mama de 9h00 a 14h00 y en horarios en la noche si le hacen algun peditos de platos especificos. Su dificultad del negocio son los ladrones y mal uso de la calle porque pueden caerse los productos que distribuye, y tambien en ocaciones a su sobrina quien tiene una discapcidad ya que no hay con quien dejarla para que la cuide. No es casada, ni tiene hijos.

Con el préstamo va a comprar manteles, platos, carnes para poder repartir a mas clientes los pedidos. Su sueño es compartir junto a su familia y poder hacer su negocio más grande.

Additional Information

More information about this loan

This loan is for a Kiva borrower living with a disability. These borrowers face high barriers to obtain loans due to their health condition. Kiva Field Partner Banco D-MIRO combines their loan with free health and life insurance to help borrowers generate the capital necessary to develop and run a business.  

Due to potential safety risks facing disabled borrowers and the need to protect their privacy, the faces of borrowers from Banco D-MIRO may be blurred in photos.

About Banco D-MIRO

Banco D-MIRO is a microfinance institution that serves the most vulnerable sectors of Ecuador’s economy. It offers very small loan sizes without requiring collateral, expanding access to borrowers who would not otherwise be able to access capital to start and grow their own businesses. It also specifically targets borrowers who are excluded from formal financial systems due to race, ethnicity, gender, disability or illness.

About Ecuador

  • $10,600
    Average annual income
  • 46
    View loans »
    Ecuador Loans Fundraising
  • $24,293,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $675 helped this borrower to buy tablecloths, plates, and meat.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 10, 2013
Apr 19, 2013
Currency Exchange Loss:
Jun 7, 2014